Benefit Spotlight

Curious about Coinsurance?

When you take a look at your benefits, there are a lot of terms to know. Copay, deductible, and…coinsurance? What’s that? Coinsurance is your share of the cost of a…

Explanation of Benefits Explained

After you visit a provider, you may receive a document in the mail from your insurance carrier with an overview of the services provided. This isn’t a bill, but rather…

Life Insurance on Your Terms

It’s important to have life insurance to protect your family, but there are a lot of different types to sort through. One of these types is term life. Also known…

The Basics of Dependent Care FSA

A Flexible Spending Account is just that – flexible! If you care for children or elderly dependents, the Dependent Care FSA may be right for you. With this FSA, you…

What is a Beneficiary?

It’s not something we like to think about, but it’s important to make your intentions clear when choosing whom to leave your assets to in the event of your death.…

What’s Special about Specialty Drugs?

Specialty drugs are medications used to treat complex illnesses such as cancer or multiple sclerosis. Because these drugs often need careful monitoring when administered or special handling, they are often…

Venture into Travel Assistance

You’ve packed your bags, booked your hotel, scheduled your excursions…but do you have a plan if something goes wrong while you’re in an unfamiliar country? Travel assistance provides support when…

Decoding Insurance Documents

Some documents are legally required to be shared with anyone participating in a health insurance plan. They detail benefits coverage, features, how they operate, etc. Two of these documents are…

Dial in to Telemental Health

In this time of virtual life, we’ve gotten used to doing more and more through the computer or phone. Whether it’s a Zoom happy hour, virtual wedding, or a telemedicine…

FSA: Rollover or Grace Period?

Flexible Spending Accounts often have two options that might need some explanation: “rollover” and “grace period.” A Flexible Spending Account (FSA) is a special tax-free account money goes into to…

Whole Life Insurance

Whole life insurance provides benefits for a lifetime. It’s more than just a benefit upon death — it provides value you can use during times of need. The benefits of…

Hospital Indemnity How-To

Nobody plans for a hospital visit, but things happen. It’s better to be protected in the event you or a loved one need a hospital stay. Hospital Indemnity coverage can…